The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,299
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$484/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$463/mo
Today · 4.125%
HK$17,940
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,880/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$580/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$556/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$677/mo
Today · 4.125%
HK$22,762
baseline
▲ 0.50% · 4.625%
HK$24,147
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,524/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$649/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$870/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,458
−HK$833/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$33,994
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,282 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).